There’s dozens of text editors and to-do list apps to choose from on the internet, but precious few financial apps that are actually good. Unlike task management and simple to-do lists, tracking financial activities using an app requires more discipline and delivers more consequential results.

As someone who never really had much success with planning how to spend money, I found Pocketsmith to be quite compelling and motivational. Pocketsmith is a money management application that tracks and schedules your finances by plotting them in a calendar. It’s a planner for your wallet, and so much more.